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Presentation Structure : 

2 Presentation Structure LifeStage Assure: A Grand Success Return Guarantee Fund: Our New Offering RGF: Benefits & Advantages Fund Launch: Process & FAQs

Success Story : 

3 Success Story Wealth creation plan with the comfort of Guaranteed Maturity Additions for your 1st year premium Launched on Sept 16th, 2008 Has collected over 120 Cr and done over 37000 policies by Nov 30th, 2008

Getting bigger and better : 

4 Getting bigger and better Consistent growth of LifeStage Assure contribution to total business

Reasons behind the success : 

5 Reasons behind the success Effectively addressed the most important customer concerns 1st yr premium used to provide GMA; so that you can invest today without worrying about markets. Future Premiums can benefit from the upside of equity investment.

Have the customer concerns changed today? : 

6 Have the customer concerns changed today? Fear is still the dominant emotion today & Guarantee is a necessity Wow ! I feel great about this investment Maybe the markets are not for me Temporary Setback I am a long term investor 2007 2008

Presentation Structure : 

7 Presentation Structure LifeStage Assure: A Grand Success Return Guarantee Fund: Our New Offering RGF: Benefits & Advantages Fund Launch: Process & FAQs

ICICI Prudential presents : 

8 ICICI Prudential presents

What is the Return Guarantee Fund? : 

9 What is the Return Guarantee Fund? Return Guarantee Fund ( RGF) is a close ended debt fund It offers a Minimum Guaranteed NAV at the end of 5 years. Fund Management Charge: 1.50%

Reasons for launch : 

10 Reasons for launch Excellent customer response to LifeStage Assure Customer/ Sales feedback to extend this philosophy to other products Provide the flavor of guarantee to our existing products through the introduction of a fund Great opportunity in Debt in the current market scenario

Guarantee Fund vs Guarantee Product : 

11 Guarantee Fund vs Guarantee Product ICICI Prudential has always been innovative For a customer, guarantee is what matters Distributors prefer to sell regular premiums because of higher incentives Regular premium provides better financial planning Recent guarantee products launched by competition are all single premium in nature Combining both requirements, RGF gives you the benefits of a RP, while providing a SP guarantee

Competition : 

12 Competition LIC Jeevan Astha: 6%-7% AVIVA Bond: 7% (Closed)‏ Bajaj Capital Shield: Premium Guarantee Religare Aegon: 7.2% All are Single Premium offerings launched in the market in the recent past.

Opportunity in Debt : 

13 Opportunity in Debt Interest rates have reached a high last seen in 2001-2002 RBI is cutting interest rates to kick start growth by encouraging lending, especially to businesses When interest rates fall, bond prices rise which helps you to get better returns in debt instruments. Example: Bond A gives 7% returns. Its price is 100. Tomorrow, if interest rate falls to 6%, all new bonds give 6% except A which continues to give 7%. So Bond A becomes more valuable and hence its price will go up

Slide 14: 

14 Advantage: Debt funds With decrease in interest rates, bond price is set to increase If interest rates on 5 year G-Secs fall from 7% to 6%, bond price appreciates from Rs. 100 to Rs. 104.15 Interest Rate 7% 6% Rs. 104.15 Rs. 100

Opportunity in Debt : 

15 Opportunity in Debt ? Debt funds gave high returns Debt could be expected to give very good returns this year

Presentation Structure : 

16 Presentation Structure LifeStage Assure: A Grand Success Return Guarantee Fund: Our New Offering RGF: Benefits & Advantages Fund Launch: Process & FAQs

Get the all round advantage : 

17 Get the all round advantage RGF Life & Pension variants Upside Potential Guaranteed NAV Flexibility

Guaranteed NAV at Maturity : 

18 Get a Minimum Guaranteed NAV of 15.03 on December 20, 2013 Rs.10 Rs.15.03 Guaranteed NAV at Maturity 5 yrs

Snapshot of RGF : 

19 Snapshot of RGF Minimum Guaranteed NAV of 15.03 Term: 5 years Closed Ended Fund FMC: 1.50%

Upside Potential : 

20 Upside Potential On Dec 20, 2013 you get Min Guaranteed NAV of Rs 15.03 or the NAV on that day; whichever is higher The falling interest rate regime is expected to boost the returns given by debt funds- as seen in the past GET THE ADVANTAGE OF HIGHER RETURNS WITH THE PROMISE OF A MINIMUM GUARANTEE

Flexibility : 

21 Flexibility LIQUIDITY: SWITCH: *Guarantee will not be applicable in such cases Partial Withdrawal and Surrender allowed at any point of time at the prevailing NAV* Switch out of Return Guarantee fund at the prevailing NAV at any point of time and re-invest in any of our other funds

Available with… : 

22 Available with…

Presentation Structure : 

23 Presentation Structure LifeStage Assure: A Grand Success Return Guarantee Fund: Our New Offering RGF: Benefits & Advantages Fund Launch: Process & FAQs

RGF – Snapshot : 

24 RGF – Snapshot RGF is a close ended fund of 5 years term It will open with an NAV of Rs.10 on Dec 20, 2008 Subscription to this fund is open for a limited period The fund can be closed by giving a notice of 5 working days notice The fund will terminate (mature) on Dec 20, 2013

RGF – Snapshot : 

25 RGF – Snapshot New Customers: If RGF is chosen, the first premium deposit (cheque amount) net of charges will be invested entirely in this fund Subsequent premiums will be allocated in our other funds as per customer’s fund allocation choice Existing customers: Can switch their funds into RGF during this period

Subsequent Premiums : 

26 Subsequent Premiums Only your First Premium Deposit is invested in the RGF Subsequent Premiums: Allocation must be chosen at inception ( in app form); and can be allocated into any of the fund / strategy available with the product Active Customer- Automatic Transfer Strategy Passive Customer- Life Cycle Based Portfolio Strategy

Fixed Strategy Funds : 

27 Fixed Strategy Funds

Automatic Transfer Strategy (ATS)‏ : 

28 Automatic Transfer Strategy (ATS)‏ ATS allows you to invest a lump sum amount in Preserver and transfer a pre-defined amount every month into any one of the chosen equity funds (Multiplier, R.I.C.H., Flexi Growth)‏ Automatic Transfer Strategy is modification of Automatic Transfer Plan (ATP)‏ Customer can opt for ATS in the APPLICATION FORM If opted, customer needs to allocate funds in Preserver The 40% cap on Preserver has been removed

Automatic Transfer Strategy (ATS)‏ : 

29 Automatic Transfer Strategy (ATS)‏ Has ATS replaced ATP? NO Currently ATS can be opted for only in these 4 products ATP service request forms will continue to be available for all other ULIPs The source fund in ATP has also been replaced with Preserver. Why has Protector been replaced with Preserver? Preserver being a money market fund is more stable and less volatile than Protector. IRDA has removed the 40% cap on Preserver.

Slide 30: 

30 30 LifeCycle Based Portfolio Strategy Initial allocation based on customer’s age Rebalancing on a quarterly basis As age progresses, allocation changed to suit change in Lifestage In the last 10 quarters corpus shifted from equity to debt to ensure capital preservation

RGF-For the volatile times : 

31 RGF-For the volatile times If equity market stabilizes after 1 year: Subsequent premiums can be invested in equity funds via the ATS route The funds in RGF will provide diversity to your portfolio, mitigating investment risk If equity markets remain volatile/ sluggish after 1 year: We will launch more series of RGF If not, subsequent premiums can be invested in debt funds Guarantee in a debt fund will be the icing on the cake

What happens on termination date of RGF? : 

32 What happens on termination date of RGF? Termination Date: This is the date 5 years from the launch of RGF. For this tranche, it is 20 Dec 2013 On that date, the customer will get higher of Guaranteed NAV (Rs.15.03) or existing NAV This RGF terminal value (maturity value) will be allocated as per existing fund allocation in other funds & policy will continue till end of policy term. Example: On 20 Dec 2013, the customer has his funds in RGF: 1 lac, RICH: 3 lac, Balancer: 1 lac. Since RGF terminates and is allocated as per existing fund allocation, this 1 lac is divided into 75K into RICH and 25K into Balancer

Important Dates : 

33 Important Dates Logins Start : Dec 15,2008 Issuances Start: Dec 20,2008 Subscription Closes: Jan 20,2008 * Tranche Termination Date: Dec 20,2013 * Subscription can be closed at the discretion of the Fund Manager, you will be intimated 5 working days in advance

Limited Period Offer : 

34 Hurry !!! Offer open only for Subscription period Rs.10 Limited Period Offer 5 yrs Rs. 15.03

FAQs : 

35 FAQs Q1. How do I choose RGF in the app form? For the existing form ID.43 or new form ID:01, standalone stickers can be used. Sales should affix stickers on Page 4 – Q27A (2c) of application forms. If RGF is ticked, then the allocation for the subsequent premiums need to be entered as well

FAQ’s : 

36 FAQ’s Q2. How do I generate an EBI with RGF? In the login Assistant there will be a dropdown for RGF. Once selected, the entire first premium deposit gets allocated to RGF. For the subsequent premiums, the fund allocation should also be selected. Q3. What is the First Premium Deposit ? First Premium Deposit is the Cheque amount and will be equal to 1st Year Premium for Annual Cases 6 months Premium Half Yearly Cases 2 months Premium in case of Monthly cases (Cheque/ECS)‏ 4 months Premium in case of Monthly cases (Cash)‏

FAQ’s : 

37 FAQ’s Q4. Can I do a top-up, switch to RGF in these 4 products? Yes, top-ups and switches are allowed during the subscription period for new and existing customers of the 4 products. Q5. Can I do premium re-direction to RGF in these 4 products? No, instead the renewal premium can be paid into the other funds and then switched to RGF- during the subscription period. Q6. Will I get Rs.10 NAV throughout the subscription period? No, NAV of Rs.10 will be available for all cases logged in between 15-22nd Dec, 2008 Q7. Can I do online switch into RGF? Yes.

Words of wisdom : 

38 Words of wisdom Warren Buffett Invested $5billion in Goldman Sachs Investing $3 billion in General Electric - New York Times 23rd Sept ’08 You know, five years from now, ten years from now, we'll look back on this period and we'll see that you could have made some extraordinary (stock market) buys. That doesn't mean it won't get more extraordinary a week or a month from now. I have no idea what the stock market is going to do next month or six months from now. I do know that the economy, over a period of time, will do very well, and people who own a piece of it will do well. - Warren Buffet He really meant it, when he said so See what he did Therefore, it might be one of the best time to make an investment

Disclaimers : 

39 This presentation is strictly meant for Internal circulation only For more details on the risk factors, term and conditions please read sales brochure carefully before concluding the sales Insurance is the subject matter of the solicitation © 2008, ICICI Prudential Life Insurance Company Limited Registered Office: ICICI Prudential Life Insurance Company Limited, ICICI PruLife Towers, 1089, Appasaheb Marathe Marg, Prabhadevi, Mumbai 400025 Reg. No.105 Disclaimers